USSD Code for Kuda: How to Transfer Money to Kuda Without Data: Learn how to send money to any Kuda account using USSD. Kuda has no direct USSD code, but you can use codes from First Bank, GTBank, Zenith, UBA, Access Bank, Wema Bank and others. This complete guide explains all the codes and how they work.
If you’ve been trying to figure out the USSD code for Kuda or how to send money to a Kuda account without mobile data, you’re not alone. Many Nigerians search for “Kuda USSD code,” thinking the bank has a dedicated transfer code like *894# or *737#.
Here is the simple truth:
Kuda currently does not have its own USSD code. Instead, transfers to any Kuda account are done using the USSD code of the sender’s bank. This means the exact code you use depends on the traditional bank linked to your SIM card.
This article breaks everything down in a clear, practical way. You’ll learn:
Why Kuda doesn’t have its own USSD code
Full list of USSD codes you can use to send money to Kuda
How to transfer using First Bank, Access Bank, Zenith, UBA, GTBank, Wema Bank and others
Common issues and how to fix them
Charges, transaction limits, and safety tips
By the end, you’ll know exactly how to send money to your Kuda account even without internet access.
Does Kuda Have a USSD Code?
No. Kuda does not offer a dedicated USSD code like *955# (OPay) or *901# (Access Bank).
Instead, the bank relies on the USSD services of other Nigerian banks. So anytime someone wants to send money to a Kuda account from a mobile phone, they simply dial the USSD code of their own bank and select the Kuda option.
This is because Kuda is a digital bank built around mobile apps. Most of its services are done through the app, so the bank doesn’t create its own USSD platform.
How USSD Transfers to Kuda Work
The process is straightforward:
Dial the USSD code of your bank
Select “Transfer”
Choose “Kuda Microfinance Bank” from the list
Enter the recipient’s 10-digit Kuda account number
Enter the amount
Confirm the transaction with your PIN
Some banks also have direct transfer shortcuts where you can dial the entire transfer code in one go.
USSD Codes for Sending Money to Kuda (Full List)
Below are the current USSD codes Nigerian banks use to send money to Kuda:
First Bank
Dial: *894*amount*Kuda Account Number#
Access Bank
Dial: *901*amount*Kuda Account Number#
GTBank (GTB)
Dial: *737*5*0*amount*416#
Zenith Bank
Dial: 966*amount*Kuda Account Number#
Wema Bank
Dial: *945*Kuda Account Number*amount#
UBA
Dial: *919*4*Kuda Account Number*amount#
Important: Replace “amount” with the exact amount you want to send and “Kuda Account Number” with the 10-digit Kuda account number.
Let’s break them down one by one so you know exactly how to use each one.
1. How to Transfer Money to Kuda Using First Bank USSD Code
First Bank customers can transfer to Kuda using *894#.
Direct transfer format
Dial: *894*amount*Kuda Account Number#
Example: To send 1000 naira to 1234567890, dial
*894*1000*1234567890#
Then confirm with your First Bank USSD PIN.
Features
Works on all mobile networks
No data required
Instant transfer
2. How to Transfer Money to Kuda Using Access Bank USSD Code
Access Bank users can transfer to Kuda through *901#.
Direct transfer format
Dial: *901*amount*Kuda Account Number#
Example: *901*5000*1234567890#
After dialing, confirm the transaction with your Access Bank PIN.
Why Access Bank customers like this option
Easy to memorize
Transfers are fast and reliable
Works on Airtel, MTN, Glo and 9mobile
3. How to Transfer Money to Kuda Using GTBank USSD Code
GTBank has a different pattern. To transfer money to Kuda, dial:
GTBank direct code
*737*5*0*amount*416#
Here, 416 is the Kuda bank code inside GTBank’s system.
Example: To send 2000 naira, dial:
*737*5*0*2000*416#
You’ll be asked for your GTBank USSD PIN.
Why GTB uses 416
GTB assigns numeric bank codes to different banks on its USSD platform, and 416 is currently assigned to Kuda.
4. How to Transfer Money to Kuda Using Zenith Bank USSD Code
Zenith Bank transfers to Kuda work with *966#.
Direct transfer format
Dial: *966*amount*Kuda Account Number#
Example: *966*1*5000*1234567890#
Enter your Zenith USSD PIN to complete the transaction.
Key advantage
Zenith’s USSD network is stable even during peak hours.
5. How to Transfer Money to Kuda Using Wema Bank USSD Code
Wema Bank users can transfer using *945#.
Direct transfer format
Dial: *945*Kuda Account Number*amount#
Example: *945*1234567890*5000#
Confirm the transfer by entering your Wema Bank USSD PIN.
6. How to Transfer Money to Kuda Using UBA USSD Code
UBA’s transfer code is *919#.
Direct transfer format
Dial: *919*4*Kuda Account Number*amount#
Example: *919*4*1234567890*1000#
(“4” is used as a modifier for transfers.)
You’ll be prompted to enter your UBA USSD PIN.
Why Kuda Doesn’t Have Its Own USSD Code Yet
Kuda is a digital-first bank, and the company is focused on app-based banking. Some reasons include:
USSD platforms cost money to maintain
Most Kuda customers already use smartphones
Mobile app security is stronger
USSD can limit features compared to the app
Despite this, the bank still allows USSD deposits through traditional banks so that users without internet access can move money into their Kuda accounts.
How to Fund Your Kuda Account Without USSD
If you don’t want to use USSD, here are alternative methods to add money to Kuda:
1. Bank app transfer
You can transfer from:
Zenith mobile app
Access More
GTWorld
FirstMobile
Wema ALAT
UBA Mobile app
Moniepoint
OPay
PalmPay
Just select “Kuda Microfinance Bank.”
2. Using your Kuda account number
Share your Kuda account number with anyone who wants to send you money.
3. Using the Kuda “Add Money” feature
Inside the app, you can deposit money using:
Bank transfer
Debit card
USSD options by other banks
USSD Transfer Charges to Kuda
Bank USSD charges vary, but most Nigerian banks charge between 6.98 naira and 10 naira per USSD session.
Some banks also add a small transfer fee depending on the amount sent.
USSD Transfer Limits When Sending to Kuda
Each bank has its own limit:
First Bank
Up to 100,000 naira daily (can be increased)
Access Bank
20,000 to 200,000 naira depending on profile
GTBank
100,000 naira daily
Zenith Bank
100,000 naira default limit
Wema Bank
Between 50,000 and 100,000 depending on SIM registration
UBA
100,000 naira daily
If you need higher limits, you may need to visit a branch or upgrade your profile.
How to Find Your Kuda Account Number
To locate your account number:
Open your Kuda app
Tap “Account” or your profile
Your 10-digit Kuda account number will be displayed at the top
You can copy and share it conveniently.
Common Problems When Using USSD to Send Money to Kuda
Here are the most common issues and how to fix them.
1. “Kuda not listed on my bank’s USSD menu”
Solution: Use the direct transfer format listed above. Most banks support it even if the menu doesn’t show Kuda.
2. “Transfer failed”
Try again later. USSD networks can be unstable.
3. “Recipient account not found”
Make sure the account number is correct. Kuda account numbers are always 10 digits.
4. “My bank is deducting money without completing the transfer”
Wait for your bank’s reversal notification. Most reversals happen automatically.
5. “USSD code not working on my SIM”
Your line may not be linked to your bank. Link it via your bank’s customer care.
Is It Safe to Use USSD to Send Money to Kuda?
Yes. USSD transfers are encrypted and protected by your bank’s PIN. As long as you don’t share your PIN with anyone, your account is safe.
Here are a few safety tips:
Never enter your PIN on calls
Avoid dialing USSD in public
Lock your SIM card with a PIN
If your phone gets stolen, immediately block your line
Even though Kuda does not have its own dedicated USSD code, sending money to a Kuda account is still very simple. You only need to use the USSD code of the sender’s bank. The process is fast, reliable, and works without internet access.
To recap:
Kuda has no official USSD code
Use your bank’s USSD code to transfer
Replace “amount” and “Kuda account number” in the dial-codes
Works on MTN, Airtel, Glo and 9mobile
Transactions are instant and secure
This flexibility ensures that anyone can fund their Kuda wallet at any time, even without a smartphone or data connection.
